Call reports 2004
BLUESTONE BANK — 2004
What BLUESTONE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 286,169,000 | 300,399,000 | 299,287,000 | 314,269,000 |
| Total loans | 158,799,000 | 178,089,000 | 186,422,000 | 204,991,000 |
| Allowance for loan losses | 850,000 | 851,000 | 853,000 | 853,000 |
| Securities available for sale | 109,060,000 | 100,149,000 | 93,332,000 | 86,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,207,000 | 213,370,000 | 222,172,000 | 224,410,000 |
| Interest-bearing deposits | 178,584,000 | 187,686,000 | 195,212,000 | 213,257,000 |
| Noninterest-bearing deposits | 24,623,000 | 25,684,000 | 26,960,000 | 11,153,000 |
| Equity capital | 31,566,000 | 31,037,000 | 31,900,000 | 32,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,186,000 | 6,539,000 | 10,081,000 | 13,872,000 |
| Interest expense | 782,000 | 1,623,000 | 2,569,000 | 3,598,000 |
| Net interest income | 2,404,000 | 4,916,000 | 7,512,000 | 10,274,000 |
| Noninterest income | 941,000 | 1,669,000 | 2,540,000 | 3,814,000 |
| Noninterest expense | 2,724,000 | 5,578,000 | 8,772,000 | 11,639,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 621,000 | 1,068,000 | 1,330,000 | 2,523,000 |
| Income tax | 157,000 | 239,000 | 241,000 | 501,000 |
| Net income | 464,000 | 829,000 | 1,089,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,122,000 | 30,487,000 | 30,747,000 | 31,680,000 |
| Total capital | 31,061,000 | 31,438,000 | 31,699,000 | 32,662,000 |
| Risk-weighted assets | 137,466,000 | 146,761,000 | 153,205,000 | 170,136,000 |
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